Why a Lack of a Home Budget Is a Financial Time Bomb — and How to Fix ItWhy a Lack of a Home Budget Is a Financial Time Bomb — and How to Fix ItWhy a Lack of a Home Budget Is a Financial Time Bomb — and How to Fix It 

BearFotos / Shutterstock.comHome improvement projects aren’t nearly as fun as those renovation projects you see on HGTV. Tasks like cleaning the HVAC ducts or replacing your roof aren’t as alluring as a fancy kitchen remodel. And in real life, you’re faced with the burden of paying to get the work done — having to shell out hundreds or thousands of your hard-earned cash. Many homeowners end up financing expensive repairs…